The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$27,912
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,780
−HK$882/mo
Today · 4.125%
HK$29,662
baseline
▲ 0.50% · 4.625%
HK$31,467
+HK$1,805/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$59,324/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$459,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,052
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,885
−HK$845/mo
Today · 4.125%
HK$32,730
baseline
▲ 0.50% · 4.625%
HK$34,455
+HK$1,725/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$65,460/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$459,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,494
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,536
−HK$1,059/mo
Today · 4.125%
HK$35,595
baseline
▲ 0.50% · 4.625%
HK$37,761
+HK$2,166/mo
Deposit HK$4.90M · loan HK$7.34M · min. income ≈ HK$71,190/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,262
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,262
−HK$1,013/mo
Today · 4.125%
HK$39,275
baseline
▲ 0.50% · 4.625%
HK$41,346
+HK$2,071/mo
Deposit HK$4.90M · loan HK$7.34M · min. income ≈ HK$78,550/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,077
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$40,292
−HK$1,235/mo
Today · 4.125%
HK$41,527
baseline
▲ 0.50% · 4.625%
HK$44,054
+HK$2,527/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$83,054/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$459,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,473
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$44,639
−HK$1,182/mo
Today · 4.125%
HK$45,821
baseline
▲ 0.50% · 4.625%
HK$48,237
+HK$2,416/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$91,642/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$459,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,242
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$51,804
−HK$1,588/mo
Today · 4.125%
HK$53,392
baseline
▲ 0.50% · 4.625%
HK$56,641
+HK$3,249/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$106,784/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,893
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$57,392
−HK$1,521/mo
Today · 4.125%
HK$58,913
baseline
▲ 0.50% · 4.625%
HK$62,019
+HK$3,106/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$117,826/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,029 · Scale 2, in force from 26 Feb 2026)